Okay, maybe we shouldn't go there, but I'd like for us just to elaborate a bit more on the original conversation. People are going to be shocked to find out they can't go to their same mortgage broker to get refinancing from the same lender at a particular juncture. That will encourage them to go to a traditional lender, because they have the capital to be able to meet these rules.
On January 30th, 2017. See this statement in context.